About Us

Future Link Technologies (FLT) is an Information and Computer Technology company based in Uganda - East Africa, with Research and Development at the core of our business strategy.
FLT has over a dozen years' experience providing digital expertise – including our flagship "SavingsPlus" front and back office core banking solution - to SACCOs in Uganda, Zambia and Nigeria.
We also are Integrators of MTN Mobile Money, AIRTEL Money, INTER SWITCH and MasterCard in partnership with Equity Bank.

With over 200 partner SACCO branches, FLT has attained a reputation for innovation, excellent service and reliability.
By focusing our business on the informal financial service providers in rural areas, FLT has gained a great understanding of the dynamics, priorities and realities of these rural communities.
We are therefore able to adapt quickly to their most-pressing needs in a timely manner.

Our latest innovation MSACCO is a Banking Switch enabling millions of members of Savings and Credit Cooperative Societies (SACCOs) and Microfinance Institutions transact anytime from anywhere.
It is integrated with MTN Mobile Money, AIRTEL Money, Master card ATMs/POS and INTER SWITCH ATMs/POS. We take pride in being the leading Technological bridge between the population, SACCOs, Commercial banks and Telecommunication companies in Uganda, having negotiated special transactional charges that are cheaper than the market prices, and having established a private network of all these stake-holders, guaranteeing 24/7 support of the infrastructure.

As a HP Preferred Partner, we are also authorized to supply all other major brands such as DELL, Lenovo, IBM, APC, Microsoft and a variety of strong and genuine Anti-virus products like Symantec and Kaspersky. Our clientele on this product include but not limited to Commercial Banks, Universities, Government departments, and Media houses.

We offer tailor made solutions for small, medium and large enterprise customers, backed by quality support from our team of highly certified engineers. Customer focus is our benchmark. We value the relationship we create through the many networks of satisfied and loyal customers.

Our Vision

To be the Technology Champion of the Socio-Economic prosperity of the People in the Developing World.

Our Mission

To Innovate, Supply and Support Genuine ICT solutions while serving an All-Inclusive Market.

Our Values

Customer Focus: Success for us is a measure of how satisfied we make our clients.

Innovation: If we are not helping our clients achieve consistent growth through constant innovation in our services to them, we too are not growing.

Integrity: Our credibility lies in the consistency with which we live our values.

We Value People: We regard people as created and important to us. We give priority to helping our employees to be the best they can be through a consistent and ever improving Staff Development Program.

MSACCO - Mobile Banking for SACCOs

What is MSACCO?

MSACCO is the most convenient and effective solution for SACCO to provide mobile financial services to its members. With MSACCO, members can make deposits and withdraw money from savings accounts, make payments to various SACCO products. Payments to the SACCO via MTN Mobile Money or Airtel Money have now been simplified. Members can also access their funds through MasterCard Equity Bank ATM and POS. They can also access their money through Inter Switch ATMs and POS.

Features of MSACCO

Deposit - Members or non-members can make deposits onto their savings accounts.

Withdrawal - Allows member to make withdrawals from their voluntary savings accounts.

Loan Repayment - This service allows members to repay their loans

Mini-statements mini-statement - Members can get a mini-statement for the last 5 transactions.

SACCO Balance inquiry - Members can enquire their account balances for Deposits

It comprises of eleven key modules (Savings, Shares, Loans, Chart of accounts, Expenses, Fixed Assets Registry, SMS Banking, Receivables, Investments, Payables and Income) which make the management and tracking of savings and loans easy plus other complementary modules that make Savings Plus even more useful and easy to use.

We deploy SAVINGS PLUS in Cloud Computing framework, guaranteeing 24/7 support for Mobile Banking, ATM Banking and Internet Banking. This enables the SACCO/MFI Management to concentrate on their core responsibility of serving the customers.
We also network all your branches and maintain the Network for 10% the ordinary cost of Internet.

We are also able to install SAVINGS PLUS at the institution's premises and leave the client to manage the server, while our support team continue to offer timely support.

For more information about SAVINGS PLUS, please visit the product website:

Our Partners

FLT Hardware

This is a division of FLT that deals in IT Equipment and the servicing of some of the high-end equipment, giving warranty on all our supplies. We have reseller partnerships with the leading IT equipment manufactures including HP, DELL, VMWARE, CISCO, MICROSOFT, EPRON, KASPERSKY and SYMANTEC and are able to supply any IT equipment of any magnitude in Uganda. We have diligently supplied IT equipment and implemented IT infrastructure for many leading organisations in Uganda including Banks, Telecomunication companies, Universities, Hospitals, factories, Government Institutions, etc.

Our policy is such that FLT supplies only such IT Equipment and 3rd Party Software applications for which we can guarantee warranty to our clients, and shall be done with the Manufacturers' authorisation. At no point shall FLT engineers involve themselves in selling products for which FLT has not secured warranty from the manufacturers.

For all Preventive Maintenance services, FLT engages only certified and experienced engineers. Job cards are filled with every field visit and such a card is signed off by the client. FLT Engineers shall endevour to efficiently complete field work in best way possible. To view our list of satisfied clients, please click here.

Thirdparty SACCO Administration

Savings and Credit Cooperative Societies (SACCOs) whose members would prefer an independent professional team running the operations of their SACCO, can now have peace of mind. Our team of accountants and banking experts do not only ensure that all members of the SACCO are served efficiently, but also leverage technology to automate certain processes that members can now serve themselves over the internet without having to come to the banking hall.

Benefits of Thirdparty Administration

The SACCO saves the otherwise big costs on administration in terms of administration and personnel expenses

The SACCO benefits from the wealth of experience our team has immersed, having served the Microfinance and SACCO industry since 2005.

Our billing is structured in such a way that we grow with you. This means that it is in our interest to see exponential growth.

We are proud to be the Administrator of MTN 212 Staff SACCO, one of the fastest growing SACCOs in Uganda.

Our Clients

Tropical Bank

Equity Bank

aBi Trust

Lafarge

UBA Bank

Smile Telecom

Pepsi

Medical Access

FSD Uganda

News & Events

The CEO - Mr Vincent Tumwijukye, together with Mr Joab Baryayaka - the Product Manager of MSACCO Mobile Banking Switch for SACCOs, joined by Mr Anthony Kituuka - the Executive Director of Equity Bank Uganda, and a Team from Care International, made our input on the Impact of UK Foreign Aid before the Independent Commission For Aid Impact (ICAI) led by The Chief Commissioner - Dr Alison Evans.

The Central Bank has warned financial institutions against using technologies that are susceptible to cybercrime in the name of providing financial inclusion to the rural populace.
"You must always be mindful of the fact that financial services have become more sophisticated and integrated, and in the process become prone to operational and other risks," Prof. Emmanuel Tumusiime the governor of Bank of Uganda said.

A team of Ugandan computer scientists has created a new accounting software that will help thousands of microfinance institutions and saving and credit societies to cut operation costs and increase efficiency at work.

Savings Plus, which was unveiled by the Minister of ICT, Dr Ham Mukasa Mulira, recently, is an information management system that manipulates an entity's balance sheets, income statements, banking transactions, loan modules and members' registers.

The CEO - Mr Vincent Tumwijukye, together with Mr Joab Baryayaka - the Product Manager of MSACCO Mobile Banking Switch for SACCOs, joined by Mr Anthony Kituuka - the Executive Director of Equity Bank Uganda, and a Team from Care International, made our input on the Impact of UK Foreign Aid before the Independent Commission For Aid Impact (ICAI) led by The Chief Commissioner - Dr Alison Evans.

We thank the amazing team at DFID and the other at FSDU led by Jacqueline, for the Development Agenda they have ably demonstrated in the Financial Inclusion efforts in Uganda. With now UGX 1.2 Billion moved in less than 7 months by members in rural #SACCOs, we believe the Transformation story is just beginning. Rural - Urban migration will eventually go down as our valuable people can get services anywhere, including behind the hills such Kahondo in Kabale, or Buwheju. To check out MSACCO, If you are on MTN, dial *165#, AIRTEL dial *185#, Select Financial Services, Select MSACCO and follow the prompts.

Now we say that if you are a member of any SACCO, and your SACCO does not enable you do your banking in the comfort of your workplace, home, market and anywhere else and anytime, this is the time to demand for it. Otherwise, your SACCO may be on a decline path. Now rural SACCOs will start serving people in the city. If you live in the city but have some farming in the village, it about time to pick interest in this.